5 YEAR P L A T I N U MPROTECTION

BEDS, MATTRESSES & BEDROOM FURNITURE

for

enjoy your furnitureCOMPLETE PEACE OF MIND FOR YOU TO

YEARSPROTECTION

5 enjoy your furniture

MATTRESS PROTECTORSOur 5 Year Platinum Furniture

Protection Plan is supported by our

new range of mattress protectors.

Each mattress protector is specifically

designed to prolong the life of your

mattress while providing you with a

comfortable, hygienic place to rest.

COMPLETE PEACE OF MIND FOR YOU TO

• It covers accidental stain damage from any foods and drinks, accidental

damage such as rips, tears and burns along with structural defects.

• When you have an accident, you simply visit www.myfurnitureinsurance.co.uk

or call us for further assistance. All we ask is that you help us identify the stain.

• There is no excess to pay or annual renewal costs.

• Wherever possible our network of expert furniture technicians and cleaning

specialists will always try to repair the damage or remove the stain.

• If a repair or stain removal is not possible we will source the brand new part

to replace the item. If the parts are no longer available we will actually replace

the complete piece of furniture.

• Quality furniture is a long term investment and should last a lifetime. Our aim

is to keep your furniture looking as good as the day it arrives at your home.

Our 5 Year Platinum Furniture Protection Plan provides you with the peace of mind, knowing your fabric or leather upholstery is protected from those everyday accidents.

We’ll cover you for accidents to your bed and mattress that result in damage and staining.

The 5 Year Platinum Furniture Protection Plan is not designed to replace theday-to-day care of your furniture. Our care plan will deal with any sudden and accidental damage. All we ask is that you help us identify the stain.

WHAT’S COVERED

WE DO NOT COVER

No excess. No annual renewal costs

Accidental stains resulting from…

All drinks such as red wine & coffee

All foods such as curry & pizza

All human and animal bodily fluids, such as blood & vomit

All inks such as biro, felt tip & permanent marker

All paints such as oil & gloss

All makeup such as nail polish & lipstick

Any dye transfer as a result of clothing or newspaper print (not as a result of build up over time)

All oil based stains such grease & tar

All adhesives such as glue & superglue

All bleaches and other household cleaning products

Any acidic liquids such as vinegar & lemon juice

Accidental damage resulting in…

Cuts, rips & tears to chair fabric or leather

Dents, scratches & chips

Heat rings

Broken or scratched glass & mirrors

All pet damage - such as cat scratches, biting & chewing - limited to 3 incidents

Structural faults resulting in…

Broken legs, feet or handles

Broken hinges or drawer runners

Warping & cracking

Tuft & tape edge damage

All metal components including storage bed mechanisms

Broken shelves

Broken joints

Wear and tear

Unidentified stains

Deliberate damage

Accumulation of stains

Our technicians undertake the majority of the

furniture repairs on-site in the home. Repairs on site

avoid the inconvenience of removing furniture and

eliminate the risk of further damage during transit.

REPAIRS AND STAIN REMOVAL CARRIED OUT ON-SITE, IN THE HOME

• When accidents happen, we have a UK wide

team of trained furniture experts ready to

repair damage and remove stains.

• If our expert technician cannot complete

a repair or remove a difficult stain, we

will replace either the part or individual

item of furniture. If your original model is

unavailable, we’ll invite you to reselect to an

alternative model.

• There is no excess to pay and you will have

cover for parts, labour and replacement

items up to the indemnity value of your

plan. Your indemnity value is the price you

originally paid for your furniture or £10,000,

whichever is the lowest.

REPAIR OR REPLACE

• Stains

• Dye transfer

• Scuffs to leather

• Stitching & springs

• Frame failure

• Rips, tears and burns

• Pet damage

• Dents, scratches & chips

• Crush damage

• Split / cracked

• Replacement doors

• Replacement drawers

• Replacement legs

• Replacement handles & hinges

• Door & drawer alignment

KEY FACTS & FEATURESThis is only a list of Key Facts and Features, please refer to the certificate of insurance for the full terms and conditions. Following delivery of your new furniture, you will receive a certificate for your HFR Protection Plan. This will contain the terms and conditions, limitations and exclusions. Please see below for a list of key features.

If after 28 days of delivery of your furniture you have not received your plan certificate, you must call the HFR Warranties Policy Administration Dept on 01384 473017 or email info@hfrclaims.co.uk alternatively you can write to the Policy Administration Department, HFR Warranties, Unit 2, Delph Road Industrial Estate, Delph Road, Brierley Hill, West Midlands DY5 2UA. Please ensure you have your retailer invoice to hand.

The Intention of the cover - This Plan provides cover for individual incidents of accidental staining and/or accidental damage and/or structural damage (subject to the level of cover selected) it does not provide cover for damage that naturally occurs due to normal use and ageing or for your product becoming gradually dirty and out of condition over time.

WHAT IS COVERED:Your HFR Warranty Protection Plan covers you in the event of sudden and unintentional Accidental Damage (resulting in rips, punctures, scuffs, burns, chips, or scratches) sudden and unintentional stain damage and structural defects. Your product(s) is only covered if you follow the terms & conditions of this plan and have paid the required premium. Your plan will cover you for the cost of repair or stain removal according to the coverage purchased and detailed under the “Level of Cover” section on the front of Your HFR Warranty Certificate.

CERTIFICATE.Your product(s) will be covered:

1. once it has been delivered in satisfactory condition to your home

2. if the cause of the damage can be identified3. if it has been used and cared for in line with the manufacturer’s

guidelines4. if it has been used with the mattress protector purchased in

conjunction with this HFR Bed Protection Plan

If a repair cannot be achieved, we may choose to replace the damaged part. In the event of this not being possible, HFR may at its sole discretion provide a replacement product(s). Alternatively, HFR may at its sole discretion settle the claim by a cash payment instead of a repair or replacement. Any cash settlement will be limited to the equivalent cost of repair or replacement by HFR.

Cover applies only if the item is kept in a private residence in the UK (including the Channel Islands and Isle of Man) and does not apply to use in any property or room which you rent out or any commercial property.

WHAT IS NOT COVERED:Your HFR Furniture Protection Plan will not cover you for:

1. the incorrect use or application of any cleaning substances or use of inappropriate cleaning materials;

2. any natural characteristic to the covering of the item;3. damage during transit or storage, caused by contractors,

neglect, abuse, misuse or malicious damage of the product(s);4. any gradually occurring stain(s) or damage, gradual wear and

tear, or your product becoming gradually dirty and out of condition over time;

5. colour loss, fading, fire, scorching, flood, burst pipes (including radiator leaks and spillages), sunlight, wind or weather; leaking roofs and conservatories, theft or any other similar external cause;

6. any other costs that are indirectly caused by the event which led to your claim, unless specifically stated in the HFR Furniture Protection Plan;

7. routine repair/cleaning whether carried out by a HFR approved repairer/cleaner or another party;

8. any failure of repairs not undertaken as part of this plan;9. failure to comply with the manufacturers, suppliers or

insurance or service providers instructions;10. consequential loss of any kind and or loss of use,

DURATIONAccidental Damage and Accidental Staining – cover starts on the date of delivery of the item and lasts for 5 years.

Structural Defects (if selected) - will start on expiry of the manufacturer’s and retailer’s guarantee and ends 5 years from the date of delivery of the item.

The plan will end if the item(s) is replaced following a successful claim, as detailed in the HFR Warranty Protection Plan.

COMPLAINTS PROCEDUREIf your expectations are not met in the first instance please write to the Complaints Team at HFR Warranties, Unit 2, Delph Road Industrial Estate, Delph Road, Brierley Hill, West Midlands DY5 2UA. Tel: 01384 473017, info@hfrclaims.co.uk. You may also be able to ask the Financial Ombudsman Service (FOS) to review your case. The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Telephone number: 0800 023 4567or 0300 123 9123 or Email complaint.info@financial-ombudsman.org.uk

Full details of these procedures are included on your certificate of insurance.

Making a complaint will not affect your legal rights.

MAKING A CLAIMIn the event of a possible claim under HFR Warranty Plan please visit the dedicated online web portal www.myfurnitureinsurance.co.uk within 14 days of the incident, alternatively you can contact HFR within 14 days 01384 473017. Please have Your HFR Furniture Protection Plan document to hand. HFR will explain the process and provide information to help your claim.

CANCELLATIONCancellation rights we hope you are happy with the cover this policy provides. However, if you decide that for any reason, this policy does not meet your insurance needs then please return it to your administrator within 14 days from the day of purchase or the day on which you receive your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, we will then refund your premium in full. Thereafter you may cancel the insurance cover at any time by informing your administrator however no refund of premium will be payable. We may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to:

A. Where we reasonably suspect fraud B. Non-payment of premium C. Threatening and abusive behaviour D. Non-compliance with policy terms and conditions E. You have not taken reasonable care to provide complete and

accurate answers to the questions we ask

THE INSURER AND ADMINISTRATORThis insurance is arranged by HFR Warranties which is administered by Homeserve Furniture Repairs Ltd & Acasta European Insurance Company Limited, 5/5 Crutchett’s Ramp, Gibraltar, GX11 1AA(Registered No. 96218) Which is authorised and regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority for the Conduct of UK Business.

PROTECTION FOR CUSTOMERSHomeserve Furniture Repairs Ltd and Acasta European Insurance Company Limited are regulated by the Financial Conduct Authority. Details about the extent of Our regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from Homeserve Furniture Repairs Ltd and Acasta European Insurance Company on request.

LAW APPLICABLEUnless you and the insurer both agree otherwise, the Plan will be governed by the law and courts applicable to the part of UK in which you live. .